中国上市银行中间业务的运作效率与关联效益

发布时间：2018-03-31 19:12

本文选题：上市银行　切入点：中间业务　出处：《金融论坛》2010年09期

【摘要】：中国14家上市银行中间业务的运作呈现出自己的特点。其中,三大商业银行凭借资产规模的优势,中间业务收入总量逐年增加,但效率水平却没有远远高出其他银行;大型股份制商业银行中间业务运作良好。三大商业银行和城市商业银行中间业务的运作效率偏低,手续费及佣金收入的增加并没有带来客户存款的显著增加。小型商业银行该业务效率水平类似于城市商业银行。股份制商业银行具有更强的存款关联效应,中间业务效益的改善能够带来更多的存款。城市商业银行在资金、规模、技术、信息网络和业务品种等方面都难以与国有银行和大中型股份制商业银行相比。
[Abstract]:The operation of intermediary business of 14 listed banks in China presents its own characteristics.Among them, the three commercial banks rely on the advantage of asset scale, the total revenue of intermediate business increases year by year, but the efficiency level is not far higher than other banks.The three major commercial banks and the city commercial banks have low operational efficiency. The increase in fees and commission income has not resulted in a significant increase in customer deposits.The level of efficiency of small commercial banks is similar to that of urban commercial banks.Joint-stock commercial banks have stronger deposit correlation effect, and the improvement of intermediate business efficiency can bring more deposits.City commercial banks are difficult to compare with state-owned banks and large and medium-sized joint-stock commercial banks in the aspects of capital, scale, technology, information network and business variety.
【作者单位】：南开大学商学院;
【分类号】：F832.2

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